How to check personal online loan liabilities and how to check your online loan debts

Updated on society 2024-08-13
7 answers
  1. Anonymous users2024-02-16

    To check personal online loan liabilities, you can follow the steps below:

    1.Log in to the People's Bank of China official ** (

    2.Sign up for an account and log in.

    3.Find it in your personal account or in the relevant menu"My credit report"Options.

    4.If you choose the query method, you may use real-name authentication, mobile phone number verification, or bank card verification to verify your identity.

    5.Submit personal information and pay the appropriate inquiry fee (if any).

    6.Wait for the query result. An individual's credit report is usually displayed, which contains information about the individual's credit history and liabilities, including online loan liabilities.

    7.Check the liabilities section of your credit report, which will list your online loan liabilities, including the amount borrowed, the lender, the repayment status, and more.

    8.If you need more detailed liability information or have objections, you can contact the customer service of the credit information center and provide relevant supporting materials for appeal or correction.

    Summary: Inquiry of personal online loan liabilities can be obtained through the official ** of the Credit Information Center of the People's Bank of China, and the credit report can be obtained by checking the personal center. Pay attention to protecting the security of personal information, and promptly check the liability information so as to make reasonable arrangements.

    Extended information: You can only view the corresponding loan information, and cannot query the specific repayment plan or other related details. If you need to know more about the repayment plan, interest rate and other information of online loan products, you can directly contact the borrowing institution or log in to the relevant platform for inquiry.

  2. Anonymous users2024-02-15

    Check if you have a way to repay your online loan:

    1. Inquire about personal credit report: The online loan on the credit report will leave a record in the credit report, and if the online loan is not paid off, the record in the credit report will be displayed as to be repaid.

    3. Query loan SMS: Some lending institutions will send SMS reminders to users to repay, and users receive SMS messages but do not repay them, which can basically determine that there is an online loan in a state of pending repayment.

    5. Query online loan big data: online loans that are not credit-worthy will be recorded in the online loan big data, and whether this part of the online loan is to be repaid or has been paid off, the online loan big data will be displayed.

    6. Inquire about the mobile banking app: The mobile banking app can also directly apply for an online loan, and the user needs to enter the mobile banking app to check whether he has applied for the bank's online loan products and whether the loan has not been repaid.

    8. Go directly to the bank branch or loan institution service point to inquire: the user can go to the bank branch or loan institution service point with his ID card to check whether there is an online loan under his name that has not been paid off.

    9. Inquire about the deduction of the bank card: If the bank card is automatically deducted, then it is possible that an online loan has initiated an automatic deduction, so that it can be determined that the online loan is still in the state of repayment.

  3. Anonymous users2024-02-14

    The method of inquiring about the liability record of personal credit online loan is as follows:

    1.Open your browser and enter People's Bank of China Credit Information Center.

    2.In the "Core Business" column, find "Internet Personal Credit Information Service Platform" and click to enter.

    3.Click the red "Start Now" button on the Personal Credit Information Service Platform to enter the user login page.

    4.Enter the login name, password, and verification code on the user login page to log in to the personal credit history inquiry page.

    5.After logging in, select the similar one you want to view, and you can find the online loan liability record.

    Extended information: 1. What are the repayment methods for online loans?

    1. One-time repayment. According to the loan contract signed by both parties, a lump sum repayment will be made after the agreed loan term expires, that is, the principal and interest of the loan will be repaid in a lump sum. One-time repayment is a repayment method agreed in many loan contracts, and it is also a relatively operational method.

    2. Repay in installments. If you borrow an online loan, you can also choose to repay the loan in installments, the main purpose of choosing installment repayment is to reduce the pressure of repayment, and the installment period with high body can be agreed by both parties.

    3. Equal principal.

    The so-called equal principal is to repay a certain amount of principal every month, in addition to the principal, you also need to repay some interest, and the amount of repayment is different every month within the agreed repayment period, and the amount is less and less. If the loan amount is not large, it is recommended to use this repayment method, so that you can pay less interest.

    2. The harm of online lending.

    1. Credit information.

    Dense loan records, banks will never lend when they see such credit reports.

    2. The quota is low.

    The amount of online loans is generally not high, generally only 1,000 yuan, mainly short-term, and the interest is extremely high.

    3. It is difficult to get ashore.

    People who apply for online loans think that they don't have to repay if they borrow, and when they repay the money, they often "tear down the east wall and make up the west wall", find new ways to continue borrowing, and eventually make profits, accumulate heavy losses, and the debt is uncontrollable.

    4. Cause overdue.

    Borrowing too much can easily cause overdue, whether it is unable to repay or really forgetting, overdue will form a stain on the credit report.

    5. Violent collection.

    Once the deadline appears, what awaits you will be endless violent collection** and text messages, and the threat of deadly serial calls** is just a piece of cake, and serious ones may come to the door, making you and the people around you restless.

    6. Since then, it has no chance to take out other loans.

    A lot of online loans and there are many regrets and overdue people, personal credit reports.

    It has been so dark that you can't see it, banks and online lending institutions have long listed you as a high-risk customer, even if the credit is not stained, even high-interest small loans are borrowed, the bank will seriously doubt your ability to repay, and it is impossible to lend you money.

    Operating environment: vivox27andord, Lenovo windows10 home Chinese version, browser.

    Bank of China;

  4. Anonymous users2024-02-13

    If you want to know how much online loan you have borrowed, you can directly go to the third-party data platform to query big data.

    Some platforms will also leave loan information in the personal credit report due to access to the central bank's credit information, so borrowers can also check the credit information.

    In addition, you can look through the text messages received on your mobile phone about the success of the loan and the reminder of repayment, and then use this to understand the personal borrowing situation.

    If the online loan is overdue and has not been repaid, and it is collected, you can get a big data report in "Kingfisher Data", check your overdue records, and classify your online loans, formal and informal, those on credit and those on non-credit information. If you want to repay the money but don't have enough funds, then negotiate with the online loan platform and give priority to the regular credit investigation to reduce the impact on yourself.

    Extended Information: Can I Borrow Money If My Online Loan Application Is Frequently Rejected?

    Online loan applications are frequently rejected and can be applied for in the future.

    If you want to increase your chances of getting approved for a loan, you must control the frequency of your loan requests.

    Frequent loan applications will lead to personal credit being spent, and after the credit report is spent, the review of applying for a loan again will become strict.

    Reducing the frequency of loan applications can allow credit investigation to have time to recover, credit reporting will return to normal, and loan review will also return to normal.

    The frequent application of online loans by users will also make the financial institutions that inquire about credit information think that the user's economic situation is not good, so that the financial institution will think that there is a greater risk of overdue lending money to users.

    However, users control the frequency of applying for online loans, and apply for loans at intervals after the loan is rejected, so that the financial institution's evaluation of users will not be so one-sided.

    Most of the online loans are credit loans, and the user's personal credit qualification conditions are better, so the probability of passing the loan review will be relatively high.

    As for users with average or poor personal credit qualifications, it is normal for them to fail the review.

  5. Anonymous users2024-02-12

    1.Inquire about personal credit information Log in to the official website of the People's Bank of China Credit Information Center, and enter the personal Internet credit reporting service platform to inquire about personal credit information reports. Because the borrowed loans are generally in the personal credit report...

    2.Check the big data of online loans. Enter a third-party data agency to check the big data of online loans. After all, not all online lending platforms are connected to the central bank's credit information. Some online loans that have not yet been connected to the central bank's credit are estimated not to be individuals. Reputation with silver.

    3.Check out the loan app. If there are some loan apps on the Qingyan mobile phone, you can log in and enter the personal center to view the loan records of the loan product, which should record the user in detail.

  6. Anonymous users2024-02-11

    Go to the People's Bank of China to check the credit information, and it will show all the loan details.

  7. Anonymous users2024-02-10

    1. Bring your ID card or the principal's ID card and power of attorney to the credit inquiry window of the People's Bank of China where you are located to provide your ID card and print your personal credit record

    2. Open the official website of the Chinese People's Credit Information Center, the mobile phone number cooperates with the ID card registration account, and submit an application for personal credit record inquiry in the personal inquiry column, and the mobile phone will usually receive the inquiry code sent by the credit investigation center within 72 hours. Open the official website of the Chinese People's Credit Information Center again to log in to the registered account, enter the SMS inquiry code in the personal inquiry column to view the personal credit information, and at the bottom of the page you can generate a PDF document ** to save.

    Online loans can generally be checked through the official website of the Credit Information Center of the People's Bank of China, and the specific steps are as follows: 1. Enter the official website of the Credit Information Center of the People's Bank of China;2. Enter the Internet Personal Credit Information Service Platform;3. Click "Start Now".4. Complete the registration;5. Verify your identity through the dynamic verification code of your mobile phone, and submit an application for inquiry You can log in again an hour later to get a credit report, from which you can view how many online loans you have borrowed. In addition, if the online loan you borrowed is not available for credit investigation by the central bank, there is no way to check it, you can only rely on your own memory.

    Check how many online loans there are.

    First, register yourself on the official website of the People's Bank of China Credit Information Center, follow the prompts for verification, and you will receive verification information within the next 24 hours, when you can check how many online loans you owe;

    Second, some online loans will review the borrower's sesame credit score, at this time, you can go to Alipay to check which online loans are authorized to view the sesame credit score;

    Third, most online loan platforms will set up SMS reminders, and if the online loan is overdue, then you will definitely receive a collection SMS.

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